Legal Question in Credit and Debt Law in Florida

Perfected Lien

A judgement creditor has just sent me a copy of their intentions to perfect a motor vehicle lien. My wifes name is on the title for one vehicle which is paid off and the vehicle is worth 500.00. The other vehicle is titled in my name and the loan company. The judgement is on me. What is a motion to perfect a motor vehicle lien. Will the vehicle that is in my name be taken away? If I file ch. 13 bankruptcy, will this stop the judgement creditor from further attempts to collect on this judgement? I do not own a home, have no savings account and am head of household. Is there anything I can do to stop the creditor? Is there any other action I can take to stop the motion to perfect the lien and do I need to attend the hearing? I am trying to get together the money to pay an attorney to file bankruptcy. What can I do to stop this company?


Asked on 4/02/05, 2:52 am

1 Answer from Attorneys
Alexander M. Rosenfeld Rosenfeld & Stein, P.A.

Re: Perfected Lien

Judgment liens,generally, attach to no specific property. The judgment creditor can only seek satisfaction from the judgment debtor's property. If you have no non-exempt property,why file a ch13? I think you should first consult with competent counsel before going ahead. You may cvall me during regular business hours

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Answered on 4/02/05, 8:36 am


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